Call reports 2006
CECILIAN BANK, THE — 2006
What CECILIAN BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 331,400,000 | 341,065,000 | 312,677,000 | 309,888,000 |
| Total loans | 214,782,000 | 221,615,000 | 217,283,000 | 221,413,000 |
| Allowance for loan losses | 3,037,000 | 3,174,000 | 3,185,000 | 2,970,000 |
| Securities available for sale | 90,061,000 | 91,618,000 | 64,118,000 | 62,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,931,000 | 227,570,000 | 223,290,000 | 222,492,000 |
| Interest-bearing deposits | 196,077,000 | 197,215,000 | 196,795,000 | 196,856,000 |
| Noninterest-bearing deposits | 26,854,000 | 30,355,000 | 26,495,000 | 25,636,000 |
| Equity capital | 30,712,000 | 30,686,000 | 32,992,000 | 33,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,142,000 | 10,455,000 | 15,661,000 | 20,951,000 |
| Interest expense | 2,302,000 | 4,751,000 | 6,991,000 | 9,400,000 |
| Net interest income | 2,840,000 | 5,704,000 | 8,670,000 | 11,551,000 |
| Noninterest income | 510,000 | 1,073,000 | 1,650,000 | 2,212,000 |
| Noninterest expense | 1,882,000 | 3,743,000 | 5,717,000 | 7,776,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 1,304,000 | 2,705,000 | 4,135,000 | 5,354,000 |
| Income tax | 344,000 | 721,000 | 1,113,000 | 1,442,000 |
| Net income | 960,000 | 1,984,000 | 3,022,000 | 3,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,549,000 | 32,273,000 | 33,311,000 | 33,701,000 |
| Total capital | 34,350,000 | 35,165,000 | 36,007,000 | 36,452,000 |
| Risk-weighted assets | 223,824,000 | 231,103,000 | 215,179,000 | 219,896,000 |